Who can tell me the answer to this insurance billing question?

If you're admitted for surgery, usually that emergency room copay is waived, and whatever your inpatient/surgery coinsurance/copay/deductible is, applies.

You will have to call the number on the back of your card to get a more specific answer.

fthey're all right. think of your health first before it worsens. you have to go to your nearest hospital and have it treated. you can look for money after the treatment, but you can never look for another health if you wont have that "fixed".

anyway, surgery to treat appendicitis is usually just an outpatient procedure and this is considered an illness. to answer your question, that would be the ER Copay + Coinsurance after deductible/Copay for the OP surgery. I havent handled a case yet where the patient was admitted due to this. But just in case, your ER copay will be waived once patient is admitted and the inpatient surgery/admission benefits will then be applied.

if you can still handle everything and wanna save, I think it would be better if you go to your PCP and have that checked first. He/she will then refer you to a specialist/hospital to have the treatment done. Copay will be lesser if you do it that way. BUT never ever say YES to a doctor who will have you confined for that. That would cause a big problem when it comes to claim processing. Most insurance would say it's not medically necessary to have you admitted (not unless there will be complications and i hope there won't be any).

btw, what's your insurance.

Serious answer = at this exact moment it does not matter what your insurance will pay or will not pay. You need to get off the internet and get to the ER. If your appendix bursts before you get there, your costs will increase dramatically = that is, if you are still around to pay the bill.

Whatever happens, do not ignore the bill. Most hospitals will greatly reduce the bill (25-50%) if you pay quickly (30 days). This is an instance that it would make sense to use a credit card. If that is not an option, the hospital will probably be willing to setup a feasible payment plan for you.

- if you ignore the bill, the hospital will take action and will no longer be willing to work with you

Appendicitis requires major surgery and it is not handled in the emergency room. One may go to the ER with appendicitis but is soon admitted to the hospital for the operation once a surgeon is located.

The flat rate covers only the emergency room. If you are admitted to the hospital, then you get charged by the day. That is not included in the flat rate. The surgeon is not included in the flat rate. The anesthesiologist is not included. The use of the emergency room is the only part of the hospital bill that is included in the flat rate.

Get to the hospital - right away!

The money is secondary. Appendicitis is potentially life threatening.

You can worry about the money later. Your life is a one time shot.

The $150 is ON TOP OF the other charges.